Using a Credit Card to Build Your Credit. Pay on time and in full. Your credit score measures how you manage debt borrowing money and repaying it. Treat it like a debit card. Keep your balance low. Keep accounts open. Carefully review your options. Smart use is the key..Remember, a credit card can be a free way to build up your credit, as long as you use it responsibly. This is a guide to building and .Ways students can build good credit. Become an authorized user on your parents account. Open up your own credit card. Get the right credit card for you. Use the credit card for occasional, small purchases. Avoid big ticket buys, except in case of emergency. Pay off your balance each month. Pay all your other bills .In other words, if you want to buy a house or a car, improving your credit score is an essential .Amounts owed tips. Keep balances low on credit cards and other revolving credit high outstanding debt can affect a credit score. Pay off debt rather than moving it around the most effective way to improve your credit scores in this area is by paying down your revolving credit cards debt..
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